C
First State Bank of Ben Wheeler, Texas
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
15.52
Return On
Assets
1.19%
Total
Assets
181.47M
Capital
28.10M
Total
Deposits
153.20M
Net
Income
1.64M
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Weiss Ratings First State Bank of Ben Wheeler, Texas
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Rating C
Asset Quality Index 7.10
Capitalization Index 8.60
Liquidity Index 1.00
Profitability Index 4.60
Stability Index 4.30
Company Info First State Bank of Ben Wheeler, Texas
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FDIC Number 11904
Phone Number (903) 833-5861
Website www.fsbbenwheeler.com
Asset Quality First State Bank of Ben Wheeler, Texas
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1-Year Asset Growth -2.35%
5-Year Asset Growth 4.26%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans -0.06%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet First State Bank of Ben Wheeler, Texas
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Total Assets 181.47M
Total Deposits 153.20M
Capital and Reserves First State Bank of Ben Wheeler, Texas
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Capital 28.10M
Leverage Ratio 15.52
Loan Loss Reserves to Loans 1.51%
Risk-Based Capital Ratio --
Liquidity First State Bank of Ben Wheeler, Texas
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Hot Money Ratio 29.48%
Liquidity Ratio 48.28%
Profitability First State Bank of Ben Wheeler, Texas
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5-Year Return on Average Assets 1.23%
Net Income 1.64M
Net Interest Spread 3.05%
Operating Profit to Average Assets 1.19%
Overhead Efficiency Ratio 66.34%
Return on Assets 1.19%
Return on Equity 7.97%